Frequently asked questions About Medigap Insurance

Medicare Supplement Insurance (also known as Medigap Insurance) is private health insurance that helps pay for health expenses (copayments, coinsurance, and deductables) that are not covered by original Medicare. It fills the gaps in Medicare coverage and saves patients from potentially high bills.
Anyone who is covered under both Medicare parts A and B is eligible for Medigap coverage.
You can apply for Medicare Supplement Insurance during open enrollment. Open enrollment includes a six-month period from the date you enrolled in Medicare Part B if age 65 or older, or up to six-months after you turn 65 if you were eligible for Part B benefits before age 65. If you become eligible for Medicare Part B benefits before age 65 because of disability or permanent Kidney failure, you are guaranteed the Medicare Supplement policy of your choice during the first six months you are 65 and enrolled in Part B.
No, Medicare Supplement is designed to fill in the “gaps” with Medicare Plans such as Part A (which covers hospital and skilled nursing facility care) and Part B (which covers doctor bills and other medical expenses).
No, you may continue to see your own doctor. Medicare Supplement plans are convenient and flexible, giving you freedom of choice.

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